Short on money? Using a credit card to get cash can look easy, yet it comes with real costs and trade-offs you must weigh. == What "credit card cashing" really means == A cash advance lets you withdraw money against your credit line. Compared to swipes at stores, interest usually starts immediately and the APR is often much higher. In addition, most issuers charge a 3–5% cash-advance fee and an ATM fee may apply. == Quick example you can benchmark == Borrow $100. Pay a 5% fee plus daily interest from day one. If you repay after 10 days, the **total cost** is higher than it looks at the ATM. Key advice: minimize the amount and repay faster than your statement date. == When it can make sense (rare cases) == - An unexpected bill due this week - You can repay in days, not months - You confirmed APR/fees in your banking app == Red flags — avoid these situations == - Long-term needs — interest can snowball - Multiple small withdrawals — fees add up each time - High balances — may drag your score == Safer alternatives you can try now == - **Issuer installment plan**: some cards offer installments with **lower APR** than cash advances - **Balance transfer to checking** via issuer tools (where available) - **Sell unused items** on a local marketplace for same-day cash - **Credit union small-dollar loan** with clear terms and capped fees == How to keep damage low if you must proceed == - Keep the amount small and set a **payoff date** today - Repay before the statement closes to reduce interest - Make one transaction to cut repeated fees - Track the **ATM fee** and **advance fee** so you know the real APR == FAQs people ask == **Is a cash advance bad for credit?** It doesn’t create a new account, but high utilization can press down your score. **What about cashing through payment apps?** Policies vary. Some routes may code as purchases, others code as an advance. Always check the issuer’s terms. Final word: a cash advance is a **tool for emergencies**, not a habit. Compare fees, try a safer route first, and if you still need it, repay fast. See https://www.globalcashpartners.com/card/ — anchor: 신용카드 현금화 수수료.